A compliant operator cockpit, priced per seat.
Debt Digest gives each collector one productive workstation with the call queue, resolution workflows, participant-specific authority, and Reg F tooling built in. Every action on an account records who did it and under whose authority. Flat per-seat subscription, with no platform outcome fee.
Your authority and duties stay visible on every account.
Your agency remains the identified operator on files assigned to it. Debt Digest hosts the shared record, runs the workflow controls, and records who took each action. The platform does not transfer, erase, or decide a participant’s legal status: duties depend on actual conduct, authority, contracts, account context, jurisdiction, and law. Debt Digest bills only a seat subscription, never a share of dollars recovered.
FDCPA §1692a(6) role-specific analysis
Reg F Part 1006 workflow controls
Subscription only no outcome fee
One workstation built for compliant collecting
The Layer 02 Recovery operator cockpit is live: your collectors log into it today. Every capability below is in the product, with build status marked on the one that is still in development.
Your move, first.
A triage inbox that surfaces the accounts waiting on you: your move, awaiting, stalled, closing. Each collector works a prioritized queue, not a spreadsheet.
One-tap dispositions.
Request a call, accept, complete, close. Every contact is logged to the account timeline as it happens, so the audit trail writes itself.
BIF, PPA, and settlement, in one flow.
Send an offer, counter, and record payment against the creditor's configured floor. Offers above the floor move; below routes for review.
§1006.14(b)(2)The 7-in-7 counter is on screen.
A conservative call-frequency counter with color escalation, so a collector sees the configured §1006.14(b)(2) guardrail before placing the next call.
§1006.34Validation-notice templates built in.
Deterministic-data templates for the section 1006.34 validation notice, produced under your direction, with the account specifics injected.
Stop outbound when a consumer is represented.
Architecture A: when a consumer-side firm registers a representation, the platform is built to stop outbound across tenants. Activation remains gated on verified representation intake, tenant-safe matching, and end-to-end fail-closed enforcement.
A cloud-native cockpit, not another legacy dialer bolt-on
Most agency platforms were built before Reg F and price like a phone system. Debt Digest is the alternative.
Legacy collection platform
Debt Digest
See the operator cockpit on a screen share.
Thirty minutes, the live product on a sample portfolio, and straight answers about participant roles, authority, controls, and evidence for your CCO. No deck.